Affordable Life Insurance Protection for Your Family
Are You Looking to Buy a Term Life Insurance Policy without Taking a Physical Exam?
If so, you’ve come to the right place.
Did you know that today you can apply for a term life policy online in about 10 minutes and start your coverage immediately, if you qualify?
That’s right. You may be able to buy a term policy without any physical required.
Term life insurance policies usually requires the applicant for life insurance to take a health examination which is paid for by the insurance carrier.
Life Insurance Requirements for a Physical
Why is a Physical Exam Required for Life Insurance?
Usually, you would need to take a life insurance health exam for any of the following reasons:
Keep in mind, taking an exam may help you qualify for a more affordable insurance policy compared to no exam plans that may charge higher rates because they may end up insuring some applicants who might not otherwise qualify for coverage if they had to take a physical.
Buying Term Insurance without a Physical
If you’re shopping for a life insurance policy you may be wondering if you’ll be required to take a medical examination.
The answer is "NO". All life insurance policies do not require the applicant to take a physical.
There are life insurance plans available without any doctor exam necessary to qualify for coverage.
Term Life Insurance Explained
Term life is temporary coverage lasting for a specific period of time, usually up to 30 years. You may choose a term of coverage lasting for a period of 10, 15, 20, 25 or 30 years.
If you pass away during the term of your policy, the death benefit is paid out to the beneficiary of your policy. You select the beneficiary of your life insurance.
If you are alive when your term policy expires, there is no payout on your insurance.
Term Life Insurance without a Physical
These plans offer up to $2,000,000 or more of life insurance protection for qualified applicants who meet the health and age requirements for approval.
Usually, you have to be healthy and between 20 to 60 years old.
No exam term life plans offer you the option of applying online Safe & Secure for your policy. The online application takes about 10 minutes to complete.
Once you have applied for coverage you may find out in just minutes if you have been approved for a policy. Once approved, you can may your life insurance immediately.
Term Life Insurance No Physical Exam Quotes
Top Pick – Haven Life
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Highly Recommended – Globe Life Insurance
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